A 0% APR credit card can be a great option, but is it a smart move for you? Here's what you need to know before submitting ...

Intro APR offer: The Wells Fargo Reflect Card offers a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers (17.24%, 23.74% or 28.99% variable APR afterward).

Even 0% APR cards carry risks. Your 0% rate can be canceled if you miss a payment. And that 0% rate might not apply to your entire balance.

Select reviews the ins and outs of 0% APR credit cards, when to apply for one and how to use them wisely to avoid interest on new purchases and debt. Updated Fri, Feb 28 2025.

What's the best consumer option for paying down credit card debt? The answer is steeped in irony and may surprise you.

Most 0% APR offers include hefty fees for late payments, and some credit card issuers might cancel the 0% APR promotional offer or apply a higher penalty APR if you miss payments.

A 0% intro APR credit card lets you avoid paying interest on purchases or balance transfers for up to 21 months. This can save you hundreds or thousands of dollars when financing large purchases ...

Apply Now to take advantage of this offer and learn more about product features, terms and conditions. 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers ...

There are many good reasons to apply for a zero-interest credit card. The best 0 percent intro APR cards offer between 12 and 21 months of zero interest on purchases, balance transfers, or both ...

Credit cards can easily work as a short-term loan, but cards with a 0% APR period have the potential to be free of interest. The key to using a credit card as an interest-free loan is ensuring you ...

But you don't always have to apply for a new credit card to get a 0% APR offer, especially if you're interested in a balance transfer. Here's how to access a 0% APR offer on your existing credit card.

There are many good reasons to apply for a zero-interest credit card. The best 0 percent intro APR cards offer between 12 and 21 months of zero interest on purchases, balance transfers or both ...